A Comparative Study of the Public and Private Sector Bank with Special Reference to Punjab National Bank and HDFC Bank

Abstract

After passing of nationalization the Indian banking system has considerably developed with a large network of branches and wide range of financial instruments. As banking industry is growing today with a rapid speed and competition it has more than 11,75,150 employee and has a 1,09,811 branches across India and 171 branches in abroad and have managed deposits of Rs. 67504.54 billion and bank credit of Rs. 52604.59 billion. The net profit of banks operating in India was Rs. 1027.51 billion against RS. 9148.60 billion turn over during 2012-13. Banking sector has a very important place in our Indian economy. The amount of the profit indicates the efficiency of the organization the larger the profit higher the growth rate. The profitability depends on the effective utilization of funds to procure maximum profit for growth. . The present research paper is an effort to make a comparative study between the Growth rate in Punjab National Bank and HDFC Bank. As a study of Growth analysis of both the banks for a period of 10 years, i.e., from 2004 to 2014 is made. The main parameters of growth in banks are Net profit growth, Net assets growth, ROA (Return on Assets) and NPA.